IFSC Code of The Kalyan Janata Sahakari Bank Ltd, Main Branch, Maharashtra

Use this page as a one-stop reference for everything related to The Kalyan Janata Sahakari Bank Ltd's MAIN branch in KALYAN, MAHARASHTRA. The branch's IFSC code KJSB0000002 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KJSB0000002 is the IFSC of The Kalyan Janata Sahakari Bank Ltd's MAIN branch. The format is fixed: KJSB = bank code, 0 = reserved, 000002 = branch identifier.

About the bank

The Kalyan Janata Sahakari Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Main branch in Kalyan, Maharashtra is part of this network and uses the IFSC code KJSB0000002 for all electronic settlement.

About this branch

The branch is located at GAYAN SAMAJ, TILAK CHOWK,KALYAN-W-421301. It serves the Kalyan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Kalyan Janata Sahakari Bank Ltd. The IFSC KJSB0000002 is used to identify this branch on the RBI payments network.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Kalyan Janata Sahakari Bank Ltd's MAIN branch came to be assigned the code KJSB0000002.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KJSB0000002, money simply cannot be routed to the MAIN branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Kalyan Janata Sahakari Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KJSB0000002 and the account number together uniquely identify the Main branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KJSB0000002

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KJSB0000002 across all three.

NEFT to The Kalyan Janata Sahakari Bank Ltd, MAIN using IFSC KJSB0000002

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KJSB0000002, and confirm that the system picks up The Kalyan Janata Sahakari Bank Ltd – MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAIN

If you need to transfer ₹2 lakh or more in one go to an account at The Kalyan Janata Sahakari Bank Ltd's MAIN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KJSB0000002 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kalyan Janata Sahakari Bank Ltd MAIN (IFSC KJSB0000002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KJSB0000002 in your mobile or internet banking app, and the money is credited to the MAIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Main

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KJSB0000002:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MAIN is still linked to IFSC KJSB0000002.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Kalyan Janata Sahakari Bank Ltd's MAIN branch, the IFSC KJSB0000002 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Main branch is mapped to IFSC KJSB0000002 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kalyan Janata Sahakari Bank Ltd, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KJSB0000002.

Products and services

Customers walking into the Main branch can access most of The Kalyan Janata Sahakari Bank Ltd's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KJSB0000002

Online banking and IFSC KJSB0000002

The Kalyan Janata Sahakari Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the MAIN branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KJSB0000002 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Main branch sits at GAYAN SAMAJ, TILAK CHOWK,KALYAN-W-421301. If you are travelling from outside Kalyan, search for the branch on a maps application using the bank name and locality, or call 251-2220710 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KJSB0000002 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Kalyan Janata Sahakari Bank Ltd – MAIN:

• The IFSC is exactly KJSB0000002 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Kalyan Janata Sahakari Bank Ltd as the bank name and MAIN as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Main are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KJSB0000002 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KJSB0000002 for The Kalyan Janata Sahakari Bank Ltd – MAIN, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: KJSB0000002 is the IFSC code of The Kalyan Janata Sahakari Bank Ltd, MAIN branch, in KALYAN, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.